GA SB409

Requires insurance companies using aerial or satellite imagery to make adverse underwriting decisions (cancellation, nonrenewal, premium increase, or coverage reduction) on residential property policies to provide homeowners with date-stamped images taken within 9 months showing the specific non-compliant conditions

Mandates insurers give homeowners a minimum of 60 days to cure identified property conditions before an adverse decision takes effect, even if this extends beyond standard nonrenewal notice periods

Insurers must establish a point of contact and process for homeowners to submit documentation of completed repairs, as well as an appeal process to correct errors or misunderstandings

Insurers must offer policy renewal or rescind the adverse decision when homeowners provide proof they have corrected the identified conditions to the insurer's communicated standards

Effective July 1, 2026, applying to policies executed, delivered, or renewed on or after October 1, 2026; the Insurance Commissioner will promulgate rules on proof submission methods and image size requirements